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Active

Active·121 days on market

2 Rivertown Road

Palm Coast, FL 32137

$377,000$202/sqftEst. $2,013/moMLS# 2147263
4
Beds
2
Baths
1,862
Sq Ft
2020
Built
2
Garage
No
Pool
FEMA Zone AHOA $36/mo9,148 sqft lotWaterfrontSingle Family Residence1 story

About this home

Palm Coast

Welcome to 2 Rivertown Road in beautiful Palm Coast -- a stunning coastal retreat offering the perfect blend of comfort, style, and Florida living. Nestled in a desirable neighborhood, this beautifully maintained home features spacious living areas, abundant natural light, and an inviting open-concept layout ideal for both everyday living and entertaining.The kitchen is designed to impress with ample cabinetry, generous counter space, and a seamless flow into the main living and dining areas. The private primary suite provides a relaxing escape with a spacious ensuite bath and walk-in closet, while additional bedrooms offer flexibility for guests, family, or a home office. Step outside to enjoy the peaceful outdoor space, perfect for morning coffee, evening gatherings, or simply soaking in the Florida sunshine. Conveniently located near shopping, dining, golf courses, parks, and just a short drive to the beach, this home combines tranquility with accessibility. Schedule a showing today

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,013
HOAbilled annually$36
Estimated total, before insurance$2,048/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,487/yr · $457/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$377,000
$75,400
Loan Term
Monthly Payment
$2,013
Principal & Interest: $2,013
Insurance (est.): $251
Estimated Total Monthly
$2,264
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,774 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,487/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • May 27, 2026Listed$377,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$377,000
Price / Sq Ft$202
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,862
Acres0.21 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryBelle Terre
MiddleIndian Trails
HighMatanzas

Community Information

Address2 Rivertown Road, Palm Coast, FL 32137
Area602-Flagler County-NW
SubdivisionSawmill Creek At Palm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size9,147.6 sq ft
Parcel Number2110305410000001080

Amenities

AmenitiesPool
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesOpen Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Screened
RoofShingle
ConstructionBrick, Composition Siding
Road SurfaceAsphalt

Additional Information

Date ListedMay 27, 2026
Days on Market29
HOA Fees$429 / Annually
HOA FrequencyAnnually
HOA NameAlliance Realty & Management
Tax Amount$5,486.92
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ZACH TAYLOR

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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